984 Eagle Rock Ter, Winter Haven, FL 33880 Property Records

Polk County property record for 984 Eagle Rock Ter, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,300 sqft · built 2023
Lot Size	0.205 acres (8,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,121 (Jun 2023)
Tax Bill	$4,359 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-29-16-689009-002000`

Property Details

APN / Parcel Number

Primary APN	`26-29-16-689009-002000`
Alternative APN	`162926689009002000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,300 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	960 sqft
Upper Floors Area	1,340 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	8,908 sqft (0.205 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	56 sqft

Location & Zoning

Street Address	984 EAGLE ROCK TER
City	WINTER HAVEN
State	FL
Zip	33880-5887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE LANDING PHASE II PB 190 PGS 14-15 LOT 200
Legal Subdivision	EAGLE LANDING PHASE II
Legal Block	4
Legal Lot Number	200
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	4
Census Block	4043
Census Tract	14501

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	984 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Jun 2, 2023	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	2023129070
Deed Book / Page	12713 / 1740
Record Updated	Oct 29, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 3, 2023
Property Address	984 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887
Document Number	0000232639
Book / Page	12858 / 1697
Map Reference	MB 190 PG 14&15
Instrument Date	Sep 28, 2023
Instrument	2023232639
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	984 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887

Mortgage

Document Number	0128581699
Date	Oct 3, 2023
Instrument	12858/1699

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 2, 2023
Property Address	984 EAGLE ROCK TER, WINTER HAVEN, FL 33880-5887
Document Number	0000129070
Book / Page	12713 / 1740
Map Reference	MB 190 PG 14&15
Instrument Date	May 23, 2023
Instrument	2023129070
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$841.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2235 CRUMP RD, WINTER HAVEN, FL 33881-8200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7547 GOLF CHANNEL DR, SAND LAKE, FL 32819-8921
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,205 (-2.4%) Land $36,000 Building $230,205	$266,205 (-2.4%) Land $36,000 Building $230,205
2025	$4,359.00 (+547.7%) Homeowner's exemption	$272,747 (+679.28%) Land $36,000 Building $236,747	$272,747 (+679.28%) Land $36,000 Building $236,747
2023	$673.00 (+348.67%)	$35,000 (+351.26%) Land $35,000	$35,000 (+351.26%) Land $35,000
2022	$150.00	$7,756 Land $7,756	$7,756 Land $7,756

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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